Mercury Mariner Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Jun 3, 2023
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Average auto insurance rates for a Mercury Mariner are $864 annually including full coverage. Comprehensive insurance costs an estimated $148 each year, collision costs $182, and liability insurance is $398. Buying just liability costs around $444 a year, with insurance for high-risk drivers costing $1,850 or more. Teenage drivers receive the highest rates at $3,454 a year or more.
Average premium for full coverage: $864
Rate estimates broken down by individual coverage type:
Includes $500 deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and Mariner models.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from as cheap as $444 for basic liability insurance to a high rate of $1,850 for a driver that may need high-risk insurance.
Price Range by Location
Choosing to live in a large city has a significant impact on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than densely populated cities.
The graphic below illustrates how location helps determine insurance prices.
These examples highlight why all drivers should compare rates quotes for a targeted area and their own personal driving habits, rather than relying on average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rate Comparisons
The chart below breaks down estimated Mercury Mariner insurance rates for other coverage scenarios.
- The best discount rate is $527
- Raising to $1,000 deductibles will save approximately $76 every year
- The estimated rate for a 40-year-old driver who has $500 deductibles is $864
- Using low deductibles costs an additional $140 a year
- Higher-risk drivers who are prone to accidents and violations could pay up to $1,850 or more
- The cost with full coverage for a teen driver can cost as much as $3,454
Auto insurance rates for a Mercury Mariner can also vary considerably based on the trim level of your Mariner, your driving characteristics, and liability limits and deductibles.
More mature drivers with a good driving record and high physical damage deductibles could pay as little as $800 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay at least $3,400 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are likely paying $1,000 to $1,500 in extra premium per year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 129% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can reduce rates by up to $220 each year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $421 extra every year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Mercury Mariner insurance rates. A middle-age driver might find rates as low as $660 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,230 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $780 | -$84 | -9.7% |
| Alaska | $664 | -$200 | -23.1% |
| Arizona | $714 | -$150 | -17.4% |
| Arkansas | $864 | -$0 | 0.0% |
| California | $982 | $118 | 13.7% |
| Colorado | $824 | -$40 | -4.6% |
| Connecticut | $886 | $22 | 2.5% |
| Delaware | $976 | $112 | 13.0% |
| Florida | $1,076 | $212 | 24.5% |
| Georgia | $798 | -$66 | -7.6% |
| Hawaii | $620 | -$244 | -28.2% |
| Idaho | $584 | -$280 | -32.4% |
| Illinois | $642 | -$222 | -25.7% |
| Indiana | $650 | -$214 | -24.8% |
| Iowa | $582 | -$282 | -32.6% |
| Kansas | $818 | -$46 | -5.3% |
| Kentucky | $1,178 | $314 | 36.3% |
| Louisiana | $1,278 | $414 | 47.9% |
| Maine | $534 | -$330 | -38.2% |
| Maryland | $712 | -$152 | -17.6% |
| Massachusetts | $686 | -$178 | -20.6% |
| Michigan | $1,498 | $634 | 73.4% |
| Minnesota | $724 | -$140 | -16.2% |
| Mississippi | $1,036 | $172 | 19.9% |
| Missouri | $766 | -$98 | -11.3% |
| Montana | $926 | $62 | 7.2% |
| Nebraska | $678 | -$186 | -21.5% |
| Nevada | $1,036 | $172 | 19.9% |
| New Hampshire | $622 | -$242 | -28.0% |
| New Jersey | $966 | $102 | 11.8% |
| New Mexico | $762 | -$102 | -11.8% |
| New York | $908 | $44 | 5.1% |
| North Carolina | $498 | -$366 | -42.4% |
| North Dakota | $708 | -$156 | -18.1% |
| Ohio | $594 | -$270 | -31.3% |
| Oklahoma | $884 | $20 | 2.3% |
| Oregon | $792 | -$72 | -8.3% |
| Pennsylvania | $822 | -$42 | -4.9% |
| Rhode Island | $1,152 | $288 | 33.3% |
| South Carolina | $782 | -$82 | -9.5% |
| South Dakota | $728 | -$136 | -15.7% |
| Tennessee | $754 | -$110 | -12.7% |
| Texas | $1,040 | $176 | 20.4% |
| Utah | $638 | -$226 | -26.2% |
| Vermont | $590 | -$274 | -31.7% |
| Virginia | $514 | -$350 | -40.5% |
| Washington | $666 | -$198 | -22.9% |
| West Virginia | $792 | -$72 | -8.3% |
| Wisconsin | $596 | -$268 | -31.0% |
| Wyoming | $768 | -$96 | -11.1% |
With so much variability in rates, the best way to figure out which company is cheapest is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different method to calculate rates, and quoted rates can be significantly different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mercury Mariner 2WD | $826 | $69 |
| Mercury Mariner Premier 2WD | $842 | $70 |
| Mercury Mariner AWD | $842 | $70 |
| Mercury Mariner Hybrid 2WD | $976 | $81 |
| Mercury Mariner Premier AWD | $858 | $72 |
| Mercury Mariner Hybrid AWD | $994 | $83 |
Rates assume 2009 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2010 Mercury Mariner | $152 | $202 | $402 | $892 |
| 2009 Mercury Mariner | $148 | $182 | $398 | $864 |
| 2008 Mercury Mariner | $146 | $178 | $390 | $850 |
| 2006 Mercury Mariner | $132 | $160 | $380 | $808 |
| 2005 Mercury Mariner | $126 | $152 | $376 | $790 |
Rates are averaged for all Mercury Mariner models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy the Cheapest Mercury Mariner Insurance
Saving money on Mercury Mariner insurance consists of not taking risks behind the wheel, having above-average credit, not filing small claims, and qualifying for all possible discounts. Invest time comparing rates once a year by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.
The following is a recap of the data that was covered in the charts and tables above.
- You may be able to save approximately $100 per year simply by quoting online in advance
- Drivers who want higher liability limits will pay an extra $440 per year to raise from a minimum limit to higher 250/500 limits
- Teens are the costliest to insure, as much as $288 per month if full coverage is included
- High-risk drivers that have major violations or accidents could be forced to pay on average $990 more annually for Mariner insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,454 |
| 20 | $1,962 |
| 30 | $878 |
| 40 | $864 |
| 50 | $794 |
| 60 | $778 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,004 |
| $250 | $940 |
| $500 | $864 |
| $1,000 | $788 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $864 |
| 50/100 | $1,088 |
| 100/300 | $1,205 |
| 250/500 | $1,509 |
| 100 CSL | $1,134 |
| 300 CSL | $1,392 |
| 500 CSL | $1,579 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $4,864 |
| 20 | $3,126 |
| 30 | $1,866 |
| 40 | $1,850 |
| 50 | $1,766 |
| 60 | $1,750 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $44 |
| Multi-vehicle | $46 |
| Homeowner | $15 |
| 5-yr Accident Free | $52 |
| 5-yr Claim Free | $54 |
| Paid in Full/EFT | $31 |
| Advance Quote | $37 |
| Online Quote | $58 |
| Total Discounts | $337 |
Discounts are estimated and may not be available from every company or in every state.
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